TME Travel Insurance is monitoring COVID-19 and its potential impact on our customers and their travel.  Travelers should consult the World Health Organization (WHO) and the Centers for Disease Control and Prevention (CDC) for the most up to date information on COVID-19.

This document is designed to provide general information regarding the terms of our travel protection plans as they relate to certain COVID-19 situations.   Coverage may vary by state and plan so please review your plan documents for details.  Plan documents for each state can be viewed through the PLAN OPTIONS tab of our website.    If you are seeking information on how to submit a claim, please visit our Claim page.  Each claim is based on its unique facts and circumstances and will be considered after pertinent information is submitted.

Please read your travel protection plan documents carefully if you are considering canceling your trip due to COVID-19.  Fear of travel is generally not a covered reason for cancellation under our travel protection plans.  Review plan details for perils that are covered, as each plan includes different coverages, limits and terms.

For purposes of these FAQs and coverage under our plans, the term Quarantine means Your strict isolation imposed by a Government authority or Physician to prevent the spread of disease. An embargo preventing You from entering a country is not a Quarantine.  “Stay at home” or “Shelter in Place” orders issued by federal, state, or local governments are not considered Quarantines.

Cancellation of a trip for general concerns related to potential COVID-19 exposure is not generally covered under our travel protection plans.

Please check with your travel provider to see if you can cancel or reschedule your trip without incurring fees or penalties and regarding potential refund, travel credit, or rescheduling options.

As almost all destinations are currently impacted by COVID-19, coverage depends on a number of factors, including, but not limited to: the terms of your specific travel protection plan; your reason for cancelling; and the amount of your non-refundable payments and deposits.

Fear or concern of traveling is generally not a covered reason for cancelling your trip. However, certain travel protection plans may provide coverage if you have been diagnosed with COVID-19 or are under Quarantine.

Prior to canceling your trip, please review the Trip Cancellation section of your plan to determine covered reasons for which you may be eligible to receive reimbursement or a refund or credit.

If your flight is delayed or cancelled, Trip Interruption, Missed Connection and Travel Delay benefits may be available. Please check your specific travel protection plan for terms and conditions.  Time restrictions may apply.  Also, please check with your travel provider to determine your options.

You may be covered for a percentage of the unused, non-refundable trip cost that you elected to insure. Please refer to your plan documents for specific details as coverage may vary by state and plan.

If you have an existing travel protection plan, you will not be able to add CFAR coverage to that plan at a later date. If available, CFAR coverage may generally only be included at the time of original purchase within the time sensitive period listed in your plan.  Scope and availability of CFAR coverage may also vary by state and plan.

If you become ill with COVID-19 prior to your departure and after the effective date of your plan, you may be eligible for Trip Cancellation coverage. These claims will usually require a confirmed diagnosis from a physician with proof of illness that states you are medically unable to travel at the time of departure or evidence that you are subject to Quarantine.

If you become ill with COVID-19 while on your trip you may be covered for Medical Expense, Emergency Evacuation, Trip Interruption, and/or Trip Delay benefits with a confirmed diagnosis, including proof of illness and inability to travel from a doctor, or evidence that you are subject to Quarantine. Please review your specific plan for the details and limits of such coverage.

If you are Quarantined while on a trip due to COVID-19 exposure or illness, your travel protection plan will usually continue in effect during such Quarantine.

Medically imposed Quarantine may be a covered reason for Trip Cancellation, Trip Interruption or Medical Expense benefits depending on the terms of your specific plan. Please refer to your specific plan for the details and limits of such coverage and a description of covered expenses.

You may be eligible for a refund under the terms of the plan review period. Check your travel protection plan documents for details.

No.

If you have tested positive for COVID-19 and are required to be Quarantined, you may be eligible for certain benefits as defined in your plan documents.

Please refer to your specific plan for the details and limits of such coverage and a description of covered expenses.

If you are required to Quarantine, you may be eligible for Trip Interruption and/or Trip Delay benefits as outlined in your plan documents.

Please refer to your specific plan for the details and limits of such coverage and a description of covered expenses.

Please check your plan documents. You may be eligible for Reasonable Expenses as outlined under the Travel Delay benefit in your plan documents.

No, there is no specific coverage for delayed test results.

No, this is not a covered peril under the Trip Cancellation benefit.

If you are allowed to Quarantine in your original prepaid accommodations, there are no eligible expenses for reimbursement.

If you must leave your original prepaid accommodations and Quarantine elsewhere, the unused portion of your prepaid accommodations may be eligible for reimbursement.  Please refer to your plan documents for specific details as coverage may vary by state and plan.

No, unfortunately there are no benefits for this. Please make sure to verify information on the official page of the consulate or check the boarding requirements of the airlines.

No.

Event cancellations are not covered.

Work mandated stay at home orders are not covered.

1. No, there is no Trip Interruption coverage for border closure.
2. No, there is no Travel Delay coverage due to border closure.

1. No, the cost of the test is not covered.
2. A positive test must be verified by a legally qualified Physician, as defined in your plan documents.

No, you must be certified as medically unable to travel or subject to Quarantine at the time of your trip.  Eligible reason for cancellation can be found in the plan document language.

Please refer to your plan documents for specific details as coverage may vary by state and plan.